3.10% VA
$515,000
$2,228/mo
215 Camlau
Chula Vista, CA
2 bd2 ba1,125 sqft
San Diego, California
Keep the rate.
Buy the home in San Diego.
257 assumable homes for sale in San Diego, with locked rates from 2.18%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
4.99%
vs 7.2% market
$899/mo saved
Median locked rate
4.99%
Across 257 assumable listings
Typical monthly savings
$899
On a $635,000 home vs 7.2%
Certified listings
0
Loan terms confirmed with the listing agent
Loan types
VA · FHA
Government-backed loans are assumable by law
Verified in San Diego
Homes with a rate worth keeping
3.12% VA
$380,000
$1,652/mo
550 15th St.
San Diego, CA
0 bd1 ba526 sqft
2.75% VA
$339,999
$1,357/mo
1979 Avenida Del Mexico
San Diego, CA
1 bd1 ba655 sqft
2.83% VA
$559,000
$2,166/mo
450 J St
San Diego, CA
2 bd2 ba1,016 sqft
2.87% VA
$549,000
$2,269/mo
6717 Friars Rd
San Diego, CA
2 bd2 ba1,047 sqft
2.94% VA
$400,000
$1,540/mo
940 Calla Avenue
Imperial Beach, CA
2 bd2 ba960 sqft
Inventory snapshot
What’s assumable in San Diego right now
Live counts from the MLS feeds we index for California. Updated September 2026.
- Active listings
- 257
- Certified / verified
- 0
- Lowest rate
- 2.18%
- Median rate
- 4.99%
- Median list price
- $635,000
- Median cash to assume
- $205,329
Listings by locked rate
- Under 4%112 homes
- 4% – 5%11 homes
- 5% – 6%13 homes
- 6% and up109 homes
Listings by loan type
- VA186 homesmedian 4.46%
- FHA71 homesmedian 6.09%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by San Diego ZIP code
- 92154
42 assumable homes · median 6.34%
median $639,500
- 92101
26 assumable homes · median 3.24%
median $566,950
- 92108
19 assumable homes · median 5.36%
median $395,000
- 92115
18 assumable homes · median 4.99%
median $639,950
- 92139
17 assumable homes · median 6.10%
median $769,000
- 92128
15 assumable homes · median 3.87%
median $625,000
- 92114
13 assumable homes · median 3.75%
median $749,999
- 92105
11 assumable homes · median 6.06%
median $799,000
Nearby markets
More assumable homes in California
- Los Angeles124
- Chula Vista105
- Victorville96
- Lancaster86
- Palmdale81
- Hemet80
- Murrieta72
- Menifee69
- Temecula65
- Oceanside59
- El Cajon58
- Apple Valley57
- San Bernardino57
- Riverside52
- Lake Elsinore44
- Winchester43
- Corona42
- Hesperia41
- Indio40
- Stockton40
- Sacramento39
- Beaumont37
- Moreno Valley37
- Acampo
Run your numbers
The cost of waiting in San Diego.
A 7.2% new loan against an assumable one at 4.99%, same balance, 30 years.
You keep every month
$724/mo
Over a year$8,692
Monthly payment, side by side
7.2% vs 4.99%
How an assumption works
Three steps. One lower payment.
You’re not applying for a new mortgage. You’re stepping into one that already exists, at the rate it was written.
- 01
Find a locked rate
Every listing here carries an existing FHA, VA, or USDA loan you can take over. Filter by rate, payment, or down payment.
- 02
Qualify with the servicer
You apply with the current lender, not a new one. Our team handles the paperwork and the timeline.
- 03
Close and keep the rate
The seller’s balance, rate, and remaining term become yours. No points, no rate shopping, no reset to 30 years.
Questions
Assuming a mortgage in San Diego
Numbers below come from current San Diego inventory and update as listings change.
- How many assumable homes are for sale in San Diego?
- As of September 2026, UMe tracks 257 active assumable listings in San Diego. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in San Diego?
- Current San Diego inventory breaks down as VA (186, median 4.46%) and FHA (71, median 6.09%). FHA, VA, and USDA mortgages are assumable by law, which is why they make up nearly all assumable listings. Conventional loans usually carry a due-on-sale clause and cannot be assumed. You do not need to be a veteran to assume a VA loan, though the seller's entitlement stays tied up unless you substitute your own.
- What is the lowest assumable mortgage rate in San Diego right now?
- The lowest rate on an active San Diego assumable listing is 2.18%, and the median across all 257 listings is 4.99%. 112 listings are under 4% and 123 are under 5%, compared with roughly 7.2% for a new 30-year loan today.
- How much can I save with a mortgage assumption in San Diego?
- Across current San Diego listings, the median principal-and-interest payment on the assumable loan is $2,675 per month versus $3,574 for the same balance at today's rates, a difference of about $899 every month, or $10,785 a year. The savings compound because you also keep the seller's remaining term instead of restarting a 30-year clock.
- How much money do I need to assume a home in San Diego?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In San Diego that gap is currently a median of $205,329 on a median list price of $635,000. Buyers cover it with cash, a second mortgage, or seller financing; UMe can connect you with lenders who write gap loans behind an assumption.
- Which San Diego ZIP codes have the most assumable homes?
- The San Diego ZIP codes with the most active assumable listings are 92154 (42), 92101 (26), 92108 (19), 92115 (18), and 92139 (17). Use the map to draw your own boundary or filter by rate, payment, and down payment inside any of them.
- How long does a mortgage assumption take in San Diego?
- Most FHA and VA assumptions close in 45 to 90 days. The loan servicer, not a new lender, underwrites you, and servicer turnaround is the main variable. UMe tracks the file with the servicer and the listing agent so nothing stalls, and every listing shows whether the assumption has already been confirmed with the seller's side.
Ready when you are
Stop overpaying for San Diego.
Every listing on the map has a rate you can take over. Start with the ones in California, or list your own low-rate loan and let buyers come to you.
